借贷活动中信任的建构与法律的作用

Maintaining Trust Between Debit and Credit Sides and The Force of Law

信任是一种社会资本。借贷活动的特殊性 ,决定了其更加容易造成“过分挑剔”问题 ,进而决定了借贷双方之间的信任具有更加特殊的经济价值——通过减少交易费用的方式实现借贷双方资源的有效配置。而建立借贷双方之间的信任的重要途径之一是有关借贷活动的完善的立法和执法。但是我国在这方面仍然存在诸多问题 。

Trust is social capital. The special nature of loaning activity brings about the problem of 'being hypercritical ', it also determines the special economic value of the trust between the debit and credit sides, i.e. making the best use of the mutual resources by reducing the cost of trading. One of the most important ways to maintain the trust between loaner and debtor is to have sound legislation and law enforcement. But in China, many problems exist in this regard, and urgent measures should be taken to eliminate these defects.